Role Description We’re seeking an experienced Mortgage Underwriter to work closely with the Underwriting Manager to ensure all loan files are complete, accurate, and meet company and regulatory guidelines. This remote position requires strong communication skills, sound independent judgment, and technical proficiency in mortgage underwriting. - Apply internal loan approval policies and investor guidelines during the underwriting process. - Accurately calculate Loan-to-Value (LTV) and Debt-to-Income (DTI) ratios. - Approve loans that meet company standards and document any conditions for closing. - Outline all closing conditions to ensure compliance with applicable regulations and complete file documentation. - Conduct a holistic evaluation of each borrower’s profile, assessing beyond isolated figures to understand the full credit picture. - Collaborate with the Underwriting Manager to ensure consistency, compliance, and quality in underwriting decisions. - Exercise sound decision-making discretion in complex or borderline cases. - Ensure all required fields are filled and supporting documentation is included. - Communicate clear conditions for approval. - Work with processing and closing teams to ensure continued collaboration. Qualifications - Minimum of 5 years of mortgage underwriting experience with FHA, Conventional, and VA loan products. - DE (Direct Endorsement) Certification required. - VA LAPP/SAR Certification preferred. - Experience with USDA loans preferred. - Proven experience underwriting both manually underwritten and AUS (DU/LP) decisioned government loans. - Proficiency with Desktop Underwriter (DU) and Loan Product Advisor (LP) required. - Experience using Encompass Loan Origination System preferred. - Strong understanding of investor and agency guidelines, credit risk, and compliance standards. - Demonstrated ability to collaborate effectively with sales teams, processors, and other operational partners. - Strong communication, organizational, and problem-solving skills. - High level of accuracy, integrity, and sound judgment in underwriting decisions. - Must be capable of working independently in a remote and/or office environment.

• Own end-to-end financial modeling for retailer partnerships, including pricing strategies, incentive structures, unit economics, and ROI analyses with scenario and sensitivity testing. • Partner with Retail Partnerships and Deal Desk to translate strategy into clear financial outcomes; support negotiations with data-driven recommendations and crisp trade-off frameworks. • Build and maintain driver-based forecasts for a portfolio of retailer deals; establish KPIs, track performance vs. plan, and surface insights that improve margin and payback. • Design and standardize scalable templates, playbooks, and dashboards that streamline diligence, approval, and post-close performance management. • Create executive-ready materials—models, memos, and presentations—that distill complex analyses into clear narratives and decisions. • Collaborate cross-functionally with Data Science, Accounting, Revenue Operations, and Legal to ensure operational feasibility, policy alignment, and accurate financial treatment.

• Own end-to-end financial modeling for retailer partnerships, including pricing strategies, incentive structures, unit economics, and ROI analyses with scenario and sensitivity testing. • Partner with Retail Partnerships and Deal Desk to translate strategy into clear financial outcomes; support negotiations with data-driven recommendations and crisp trade-off frameworks. • Build and maintain driver-based forecasts for a portfolio of retailer deals; establish KPIs, track performance vs. plan, and surface insights that improve margin and payback. • Design and standardize scalable templates, playbooks, and dashboards that streamline diligence, approval, and post-close performance management. • Create executive-ready materials—models, memos, and presentations—that distill complex analyses into clear narratives and decisions. • Collaborate cross-functionally with Data Science, Accounting, Revenue Operations, and Legal to ensure operational feasibility, policy alignment, and accurate financial treatment.

• Facilitate the development and consolidation of forecasts and long-range financial plans. • Analyze variances and provide clear, actionable recommendations to business leaders. • Partner with department leaders to evaluate assumptions and improve financial predictability. • Develop dashboards, models, and reporting tools to support decision-making. • Leverage advanced analytics, financial technologies, and emerging AI tools to enhance forecasting, automate reporting, and improve decision-making. • Identify opportunities to integrate automation, machine learning models, or data visualization tools to drive efficiency and deeper financial insights. • Support balance sheet strategy, including liquidity planning, cash management, and investment portfolio. • Assist in interest rate risk modeling and financial scenario analysis. • Provide recurring and ad hoc analysis to guide financial performance and capital allocation. • Facilitate enterprise risk management (ERM) program and semi-annual risk assessments. • Collaborate with business units to identify, assess, and mitigate financial and operational risks. • Enhance risk reporting frameworks and ensure alignment with organizational objectives. • Evaluate and support business investments through ROI modeling, cost-benefit analysis, and ongoing performance tracking, while delivering product-level profitability insights to inform pricing, growth, and strategic decision-making. • Perform general ledger analysis, reconciliation, and ensure integrity of financial data. • Maintain and update financial policies, procedures, and internal controls. • Ensure compliance with GAAP, regulatory requirements, and internal standards. • Partner with leaders across the organization to deliver financial insights and recommendations. • Communicate complex financial concepts clearly to non-financial stakeholders. • Promote a collaborative, service-oriented work environment. • Stay informed of industry trends, regulatory changes, and emerging technologies. • Identify opportunities to improve processes, reporting capabilities, and financial performance.